This is an important question, but not one with an easy answer. Your cost will depend partly on what your insurance will cover. Whatever your insurance covers you won't have to pay. Anything over what your insurance pays is your responsibility. Look at your car insurance coverage and see what coverage you have. Coverage is written as three numbers like this 15/30/5. The first number is how much coverage you have for injury per person. In this case, one person could receive up to $15,000 for damages. The second number is how much the insurance will cover for injuries for the entire accident. In this case, it would cover $30,000. If the total cost of the injuries was more than $30,000, you would be responsible for the anything over $30,000. The last number is for property damage—this would include the other person's car, fences, posts, or other items that are damaged. In this case, the coverage is $5,000. Again you would pay for any costs over $5,000.